Understanding limited health insurance

A: Although we assist with many of these health plan enrollments, we do not have access to individual member's contact information and even if we did, privacy laws protect the information. But it should not be difficult to find people who are already enrolled in this type of health insurance plan. The employees of grocery store chains on the east coast are enrolled in this type of benefit plan and Wal-mart employees nationwide are also offered this type of health insurance benefit. The Wall Street Journal recently ran an article on this topic and there is currently a legislative proposal in Wisconsin addressing this issue that is similar to the defeated 2004 ballot initiative in California intended to require large employers to provide a specified minimum amount of health care benefits. Almost every health insurance company has introduced or will soon be offering limited benefit health plans because we simply cannot afford the full coverage plans used in the past. This is clearly the trend of the future in health insurance. The concern is that many enrolled in these plans do not know what benefits are provided. Applicants in Basic Health Insurance plan at www.BasicHealthInsurance.net , for example, call almost every day asking “Why is this health insurance so cheap?” clearly indicating that they are not aware that the benefits of this policy are significantly lower than full coverage health insurance plans.